Computer software for online payment and transaction processing; computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment

Promoting the goods and services of others by means of the issuance of loyalty rewards cards; promoting the sale of credit card accounts through the administration of incentive award programs; promoting the sale of goods and services of others by awarding purchase points for credit card use; credit card registration services; administration of a discount program for enabling participants to obtain discounts on goods and services through use of a discount membership card

Issuing credit, debit and charge cards; charge card and credit card services; debit card services; providing cash and other rebates for credit card use as part of a customer loyalty program; credit card processing services, namely, credit card transaction processing services via a global computer network; electronic payment, namely, electronic processing and transmission of credit card bill payment data; financial services, namely, electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions for others, namely, payments clearinghouse allowing individual and corporation shoppers to make online purchases directly through their local bank; clearing and reconciling financial transactions for merchants, namely, electronic processing and transmission of bills and payments for merchants, which activities are conducted via a global computer network; financial advisory and consultancy services; financial analysis and research services; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; monetary strategy consultation and research; monetary exchange; acquisition and transfer of monetary claims; insurance agency and brokerage; insurance information and consultancy; providing bill payment services via a global computer network; providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network